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Provisions
Like anything else, retirement is something you have to buy.
However, unlike other purchases, you cannot take out a loan to
pay for it. You have to know what you want in retirement and
make a plan to get there.
The “four-legged chair” is an illustration we use frequently at OPERS
and serves as a starting point in determining the necessary
provisions we need for a secure retirement. Social Security,
employer-sponsored retirement plans like OPERS, personal
savings and investments, and working in retirement represent
four possible sources of income we may use to support us in
our retirement years. These income sources work together to
provide real retirement security.
Financial Section
11 Independent Auditors’ Report
12 Management’s Discussion and Analysis
Financi a l S tatements:
18 Statements of Plan Net Assets
19 Statements of Changes in Plan Net Assets
20 Notes to Financial Statements
Required Supplementary Information:
37 Schedule of Funding Progress – Schedule 1
37 Schedule of Employer Contributions – Schedule 1
Supplementary Information:
38 Schedule of Investment Expenses – Schedule 2
39 Schedule of Administrative Expenses – Schedule 3
40 Schedule of Professional/Consultant Fees – Schedule 4
Section Contents

Provisions
Like anything else, retirement is something you have to buy.
However, unlike other purchases, you cannot take out a loan to
pay for it. You have to know what you want in retirement and
make a plan to get there.
The “four-legged chair” is an illustration we use frequently at OPERS
and serves as a starting point in determining the necessary
provisions we need for a secure retirement. Social Security,
employer-sponsored retirement plans like OPERS, personal
savings and investments, and working in retirement represent
four possible sources of income we may use to support us in
our retirement years. These income sources work together to
provide real retirement security.
Financial Section
11 Independent Auditors’ Report
12 Management’s Discussion and Analysis
Financi a l S tatements:
18 Statements of Plan Net Assets
19 Statements of Changes in Plan Net Assets
20 Notes to Financial Statements
Required Supplementary Information:
37 Schedule of Funding Progress – Schedule 1
37 Schedule of Employer Contributions – Schedule 1
Supplementary Information:
38 Schedule of Investment Expenses – Schedule 2
39 Schedule of Administrative Expenses – Schedule 3
40 Schedule of Professional/Consultant Fees – Schedule 4
Section Contents